What is EMV?
Named for Europay, Visa, and MasterCard , which developed the technology — information is encrypted and stored on a microchip embedded in your card, which makes it much harder for criminals to “skim” your data.
How do I use this card?
When you’re making a purchase, the main difference between magstripe cards and EMV chip cards is the length of time the machine needs to read your card information. In this case, the newer technology is not faster. Rather than swiping your card or dipping it quickly into the reader and pulling it out, you insert your card in the reader and leave it there for several seconds.
- Insert the chip into the card reader and leave it in until the transaction is complete.
2. Follow the prompts on the terminal screen.
3. After the transaction is complete, be sure to remove your card and take it with you.
What if the merchant isn't accepting chip enabled cards at this time?
Even if a merchant does not have their chip reader enabled, there is still a magnetic strip on the back of the card that allows it to be swiped when the need arises.
The whole point of EMV chip technology is to reduce fraud, since chips are harder to replicate than a magnetic stripe. However, fraud can still happen. That’s why it is always important to monitor your account and carefully review each statement you receive. Ask us about accessing your account electronically, allowing you to monitor and review your account as often as you like. You can also visit this link for more information about our NetBanker product. We’re here to help!
In addition, you can also sign up for VISA alerts by clicking on this link. VISA alerts will send you an alert detailing any transactions that occur on the VISA network. You can customize your alerts however you like.
Quick Tips for Debit Cards
Keep all contact information up to date. We have 24/7 fraud monitoring, our fraud center may text, call or email you to check the validity of attempted charges on your card. Our fraud center will not ask you for personal information. They may block your card temporarily until charges are confirmed. You are welcome to call us during regular business hours to confirm charges.
Monitor your card transactions for any unauthorized activity. Alert us immediately if you suspect fraud on your card.
Debit card limits are generally set at $500.00 ATM withdrawal per day & an additional $2,500.00 per day for other purchases. We are happy to increase these limits temporarily as needed.
PIN numbers can be re-set in person by the card owner at any of our 4 locations. If you know your current PIN and wish to change it, you can do so at any of our 8 ATM/ITM machines.
Your current online banking allows you to temporarily lock your card should you misplace it.
Go to Card Management and select the card number and slide the green button, this will block your card from allowing any transactions.
If your card is lost or stolen, you can select Card Management > card number > lost/stolen. This card will not be able to be reopened.
If your card is lost during regular business hours please call immediately 606.833.0211, if lost/stolen after business hours please call 888.297.3416.
If you have any questions, feel free to contact us at 606.836.0211 or click here to send us a message.